New Jersey's Hardest Hit Fund

As of 12/15/17, The New Jersey Housing and Mortgage Agency will temporarily suspend applications to the HomeKeeper and HomeSaver Programs. Please continue to check the website for updates regarding these programs.For further assistance and to get in contact with a housing counselor today, visit our Foreclosure Fast Facts and Resources page athttp://www.njhousing.gov/foreclosure/facts/

New Jersey’s Hardest Hit Fund (NJHHF) program is funded through a federal grant from the United States Treasury’s Hardest Hit Fund. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is the official administrator of the program for the State of New Jersey. New Jersey’s Hardest Hit Fund program consists of the NJ HomeSaver and NJ HomeKeeper programs.

New Jersey HomeSaver offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level through a refinance, recast, or permanent modification of the first mortgage loan.

New Jersey HomeKeeper offers eligible homeowners up to $48,000 in financial assistance to cover arrearages and/or monthly mortgage payments (including principal, interest, taxes and insurance) for up to 12 months.

FRAUD ALERT

NOTE: Homeowners will NEVER be asked to pay a fee for any New Jersey Hardest Hit Fund Program.

If you are asked to pay a fee, or suspect fraud or misrepresentation related to a NJ Hardest Hit Fund program or representative, you are encouraged to contact our office at 1-855-647-7700 or 609-278-7660, or via email at hardesthitnj@njhmfa.gov.